APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 1/3/2012.
Rate Description Term Payment Description APR APR Type
NEW VEHICLE UP TO 36 MONTHS $29.30 PER $1,000 3.50% Fixed
NEW VEHICLE UP TO 48 MONTHS $22.36 PER $1,000 3.50% Fixed
NEW VEHICLE UP TO 60 MONTHS $18.19 PER $1,000 3.50% Fixed
USED VEHICLE (1-2 YEARS OLD) UP TO 48 MONTHS $22.36 PER $1,000 3.50% Fixed
USED VEHICLE (3-5 YEARS OLD) VARIABLE BY AGE OF VEHICLE VARIABLE BY TERM 3.50% Fixed
USED VEHICLE (6-10 YEARS OLD) VARIABLE BY AGE OF VEHICLE VARIABLE BY TERM 3.50% Fixed
USED VEHICLE (OVER 10 YEARS OLD) VARIALBE BY AGE OF VEHICLE VARIABLE BY TERM 8.90% Fixed
SIGNATURE 12-60 MONTHS VARIABLE BY TERM 6.900-13.500 Fixed
ACS TUITION 11 MONTHS 6.00% Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates
Rates as of 1/3/2012.
Rate Description Term Dividend Rates APY
MINIMUM OF $1,000 6 MONTHS 0.50% 0.50%
MINIMUM OF $1,000 12 MONTHS 0.90% 0.90%
MINIMUM OF $1,000 24 MONTHS 1.01% 1.00%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates
Rates as of 1/3/2012.
Rate Description Term Dividend Rates APY
SHARES $25 - $999.99 0.10% 0.10%
SHARES $1,000 - $4,999 0.25% 0.25%
SHARES $5,000 - UP 0.75% 0.75%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.
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